A target market is “a younger individual or younger couple living in a city,” Pretre said. Perhaps they take transit or bike to work, then use the car for errands and weekend trips, maybe 2,000 to 5,000 miles a year, he said.

“The less you drive, the more you save.”

Oregon has eight companies that sell pay-as-you drive insurance: Allstate, American Family, Liberty Mutual, MetroMile, National General Assurance, Progressive, State Farm and The Travelers. All eight include a device to log miles driven. Usually, these companies give discounts, but MetroMile says it’s the only insurer that bills directly per mile.

Progressive, the best known of these programs, considers not only how far you drive — but how you drive. Acceleration and braking data show whether the client is a smooth operator.